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First Hawaiian Bank

Honolulu, HI · Cert 17985 · First Hawaiian Inc.

State charter, non-member · FDIC · 49 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

First Hawaiian Bank

Honolulu, HI · Cert 17985 · First Hawaiian Inc.

State charter, non-member · FDIC · 49 branches

Q2 2026

$23.6BAssets
$14.6BLoans
$17.8BDeposits
$2.8BEquity
Loan mix
79%RE $10.7B14%C&I $1.9B7%Consumer $0.9BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $12.2B32%Noninterest $5.7BQ2 2025Q2 2026

NIM

4.03%Q2 ’243.92%Q2 ’253.83%Q2 ’26+6%+4%

Non-interest income vs. expense

2.02%Q2 ’242.02%Q2 ’252.06%Q2 ’26-2%-2%

Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 32.6% share · #1 of 13 inst. · $15.0B of $46.0B

32.6% Honolulu
41.6% Guam
25.5% Hawaii
22.1% Maui

Executive Summary

  • Earnings: ROA of 1.25%, up 10 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.30% of loans (+7 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 9.44%, up 36 bps from a year ago.
  • Funding: loans stand at 81.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+11 bps YoY

Efficiency Ratio (YTD, annualized)

55.21%-166 bps YoY

Tier 1 Leverage Ratio

9.44%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.19%1.19%1.16%1.25%+10 bps
Return on Equity10.34%10.63%10.60%10.11%10.74%+41 bps
Net Interest Margin2.69%2.72%2.75%2.76%2.80%+11 bps
Efficiency Ratio56.87%56.06%55.64%56.99%55.21%-166 bps
Non-Interest Burden1.16%1.14%1.14%1.20%1.13%-3 bps
Growth
Asset Growth (YoY)-0.64%1.35%0.53%2.19%-0.80%-17 bps
Loan Growth (YoY)-0.08%-0.78%-0.65%1.02%1.57%+165 bps
Deposit Growth (YoY)-0.84%2.42%0.62%2.08%-1.84%-100 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.26%0.31%0.30%0.30%+7 bps
Net Charge-Offs / Loans0.10%0.11%0.11%0.14%0.12%+3 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.07%9.11%9.22%9.17%9.44%+36 bps
Total Risk-Based Capital14.21%14.41%14.35%14.32%14.48%+27 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits78.97%75.94%78.15%78.13%81.71%+274 bps
Liquid Assets / Assets15.35%14.91%14.75%14.34%14.43%-92 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

First Hawaiian Bank

Honolulu, HI · Cert 17985 · Peer group: banks over $10B in assets (n=142-144) · First Hawaiian Inc.

State charter, non-member · FDIC · 49 branches

Q2 2026

$23.6BAssets
$14.6BLoans
$17.8BDeposits
$2.8BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 87% of banks over $10B in assets (rank 19 of 142).
  • Widest gap: net interest margin trails 73% of banks over $10B in assets (rank 105 of 144).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.26%

Rank 70 of 144

Net Interest Margin

2.86%

Rank 105 of 144

Efficiency Ratio

55.21%

Rank 67 of 144

Equity / Assets

11.92%

Rank 54 of 144

Non-interest income vs. expense

$224.2M$497.6MINCOMEEXPENSE
Unfavorable gap of $273.4M · efficiency ratio beats 54% of banks over $10B in assets
Bank 55.21%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%1.00%1.26%1.54%Beats 51%70 / 144
Return on Equity10.59%8.98%11.34%14.40%Beats 43%82 / 144
Net Interest Margin2.86%2.82%3.31%3.68%Beats 27%105 / 144
Efficiency Ratio55.21%49.42%56.02%62.41%Beats 54%67 / 144
Asset Quality
Nonperforming Loans / Loans0.30%0.48%0.73%1.07%Beats 87%19 / 142
Net Charge-Offs / Loans0.09%0.05%0.11%0.22%Beats 58%61 / 142
Capital
Tier 1 Capital Ratio13.23%12.07%12.98%14.92%Beats 58%61 / 144
Total Risk-Based Capital Ratio14.48%13.39%14.14%16.25%Beats 56%63 / 144
Equity / Assets11.92%9.69%11.39%12.96%Beats 63%54 / 144
Liquidity & Funding
Loans / Deposits81.71%75.72%84.92%91.56%37th pctl90 / 143
Loans / Assets61.64%59.83%69.07%74.80%30th pctl101 / 144
Brokered Deposits / Depositsn/aNot reported for this institution